Privacy Policy & Terms of Use

1. Information We Collect

When you submit a quote request or contact form on our website, we may collect the following information:

• Full name (first and last)
• Email address
• Phone number
• ZIP code or general location
• Coverage type of interest
• Any additional information you voluntarily provide

We also collect non-personally identifiable information automatically through standard web analytics tools, including browser type, pages visited, and referring URLs. This information is used solely to improve our website and services.

2. How We Use Your Information

Information you provide is used exclusively for the following purposes:

• To contact you regarding your life insurance inquiry
• To provide you with a free, no-obligation insurance quote
• To respond to questions or requests you submit
• To improve our website and services
• To comply with applicable legal and regulatory requirements

3. Information Sharing & Disclosure

We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information only in the following limited circumstances:

• With licensed insurance carriers for the purpose of obtaining a quote on your behalf, with your consent
• With service providers who assist in operating our website and business, under strict confidentiality agreements
• As required by law, regulation, or valid legal process
• To protect the rights, property, or safety of our agency, clients, or others

4. Contact Consent & Communications

By submitting a quote request or contact form on this website, you expressly consent to being contacted by a licensed NJ insurance advisor via telephone, email, or text message regarding life insurance products and services. This consent is not a condition of purchasing any insurance product. You may opt out of communications at any time by contacting us at the information provided below.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no internet transmission or electronic storage method is completely secure. We cannot guarantee absolute security of information transmitted to or stored on our systems.

6. Cookies & Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance user experience and analyze website traffic. You may disable cookies through your browser settings; however, some features of the website may not function properly without them. We do not use cookies to collect personally identifiable information without your knowledge.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Children's Privacy

Our website is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately.

9. Terms of Use

By accessing and using this website, you agree to the following terms:

• This website is for informational purposes only and does not constitute a binding offer or commitment of insurance coverage.
• All content, including premium examples and coverage descriptions, is provided for general educational purposes and is subject to change without notice.
• Actual insurance rates, terms, and availability are subject to individual underwriting and carrier approval.
• NJ Life Insurance Agency does not provide tax, legal, or investment advice. Consult qualified professionals for guidance specific to your situation.
• We reserve the right to modify this website and these terms at any time without prior notice.

10. Insurance Advertising Compliance

All advertising and marketing materials on this website comply with applicable New Jersey state insurance regulations and federal guidelines, including the requirements of the New Jersey Department of Banking and Insurance (DOBI). We do not make misleading statements, guarantee specific outcomes, or make promises that cannot be fulfilled. All licensed advisor information, including license numbers, is available upon request and verifiable through the NJ DOBI public records system.

11. Your Rights

You have the right to request access to, correction of, or deletion of personal information we hold about you. To exercise these rights, or to opt out of communications, please contact us using the information below. We will respond to your request within a reasonable timeframe.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our website after changes are posted constitutes acceptance of the revised policy.

13. Contact Information

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us: